Ligia Liliana

Ligia Liliana, 23, is in a common law relationship and has a daughter. She lives with her husband and daughter in the city of Ventanas, Los Ríos Province. She’s a member of the “Bendición de Dios” (God’s Blessing) communal bank located in Recinto Rancho Grande in Puerto Pechinche Parish; they work in agriculture and animal husbandry.

Ligia Liliana works in agriculture and raising animals. She’s requesting a loan to buy urea, insecticide, fertilizer, Ranger [herbicide], weed killing liquids. With help from the loan she’ll be able to buy everything needed for the crops.

Her purchases and sales take place in Ventanas and her dream is to be able to build a house and to buy farmland. The challenge she faces is crop infestations. In her free time she enjoys doing housework.

Additional Information

About Cooperativa San Jose

This loan is administered by Cooperativa San Jose, a 45,000-member credit union located high in the Andes Mountains of Ecuador’s poorest province, Bolivar. They offer a unique loan called “Ventanillas Rurales” [Window to the Countryside], which uses a group guarantee but is an individual loan with a savings component, mostly to rural borrowers. Due to low savings rates and a history of macroeconomic instability, many traditional loans in Ecuador demand interest rates that are prohibitively high for some borrowers. There is also a high incidence of extortionist black-market lending in Ecuador. CSJ helps mitigate these problems by providing a less onerous and more appropriate option. Join CSJ’s Lending Team!